Mr. Brian Patterson:

I did make it to the seventh floor. We had regular interaction with each other and there were ample opportunities for executives and, indeed, board members to communicate to each other, to sit down and say "Look, I'm really concerned about this." And that's what didn't happen. Because out of the ongoing interaction between the regulator and all its people and the Central Bank, no proposals or recommendations for actions which were stronger or more urgent emerged, other than the ones that were in any case taken.